I innocently applied for a 900 loan. My payments are $530 a month for 9.5 months. 30% interest.
I received numerous "pre-approved' mailings. Within a week of the last one, I applied. I was declined. I can only assume they were physhing for valid informaion to sell. Very disappointing and dangerous as it will further reduce your credit score from a 'hard' hit. Avoid.